CAUTION: Long Term Care Insurance May Not Be Good For Your Health
Published June 16, 2008For many, investing in a long term care (LTC) insurance policy can provide some peace of mind for the Golden Years. “Be prepared” as the boy scouts teach. Yet, when it comes time to utilizing such a policy, that peace of mind sometimes turns into frustration and contempt for the insurance company that was trusted to pay out when needed.
Over the years I have witnessed several of my clients endure the skillful attempts of their insurance companies to avoid paying out on legitimate claims. They seem to be especially good at continually “losing the paperwork” and repeatedly asking both the insured and their home care company to “resubmit” with the strategy of delaying the claim as much as possible. In some cases, I truly believe that they were hopeful that their tactics would ultimately “wear their insured down” and they would just go away.
Now, I am not saying this is true with all LTC insurance companies. Just like any industry, there are good ones and less-than-good ones. It behooves one to do one’s homework on any company that one is considering to purchase a long term care policy. A good LTC insurance policy, with a reputable insurance company, can truly provide peace of mind for the future. On the other hand, as we all grow older, the last thing we want to do is to go to battle with our insurance carrier. And unfortunately, most times they win.
Caveat emptor.
For other blogs on this subject click here: Long Term Care and scroll down.
Owner, Barton Home Care
How Home Care Helps the Elderly
Published June 11, 2008From having done this for almost seven years now, I have learned that companionship is probably the most beneficial aspect of home care for seniors. I have seen, first hand, how the right companion can make all the difference. Isolation is tough and when a senior finds a companion that they like and can relate to, one can see a marked improvement in attitude and disposition. That translates to an overall increase in their wellbeing.
In addition, if seniors can get help with meal preparation, and if they are offered healthier and more nutritious meals that, too, can help them feel better and stay healthier. Someone to ensure that they take their medications on time and as prescribed is beneficial as well. Encouraging them to drink more water and to get some exercise has obvious benefits.
Someone to listen to their stories, someone to do projects with, someone to take them to appointments helps not only the elder but their family members as well. With the right caregiver to help an elder, family members can once again become family members — as opposed to caregivers by default.
For Home Health Care in Greenwood Village, Cherry Hills Village, Colorado and other communities within the Metro Denver area, if you are a Denver caregiver call 303.660.5120 for more information.
Owner, Barton Home Care
